Over Â£50.00

Over Â£100.00

When the account is in the red

Never

I think that the title says it all. The overdrafts were unauthorised. I have been with my bank since 1978 and have no problems. My current account is free so long as it is in credit. If I should go into the red by even one penny then bank charges are incurred for the whole of that quarter. I understand this so consequently never go into the red. I do feel though that the banks are being unreasonable charging high fees for customers going into the red by small amounts. However how is a small amount defined?
Interested in feedback on this:

I read somewhere that if and when a monthly charge is introduced even if you are in credit you can indulge in one of the banks goodies ( credit cards etc) and remain charge free as long as you stay in credit.